Top Ten Questions

  • Top Ten
    1. What is SavingsSquare.com and who is Kirkpatrick Bank?
    2. Are deposits at SavingsSquare.com FDIC insured?
    3. How do you keep my information and account secure?
    4. How often will I receive a statement?
    5. How do I access my Square?
    6. How do I bulk up my Square?
    7. How do I trim a little off my Square?
    8. How do I start my Square?
    9. How do I know when my account is open?
    10. What is Kirkpatrick Bank's routing or ABA number?

  • 1. What is SavingsSquare.com and who is Kirkpatrick Bank?

    SavingsSquare.com is a product of Kirkpatrick Bank, Edmond, Oklahoma. SavingsSquare.com was launched in February 2007 offering an alternative online savings account. In September 2013, Checking Square was added to the offering as a companion transaction account. Kirkpatrick Bank was chartered in March 1970 in Edmond, Oklahoma and has branch locations in Edmond and Oklahoma City, Oklahoma and Colorado Springs, Colorado. Visit https://kirkpatrickbank.com to learn more about Kirkpatrick Bank.

  • 2. Are deposits at SavingsSquare.com FDIC insured?

    Yes, to the maximum allowed by law. SavingsSquare.com is a product of Kirkpatrick Bank, Edmond, Oklahoma. Deposits made at Kirkpatrick Bank are FDIC insured up to $250,000 per depositor. Individual accounts and joint accounts are insured separately, so if you have both types of accounts with us, your total deposits can be insured up to $500,000; that's up to $250,000 in all your individual accounts, and up to an additional $250,000 in your joint accounts.

  • 3. How do you keep my information and account secure?

    Your privacy and security is extremely important to us at Kirkpatrick Bank. We employ leading edge technology and business rules to verify your identity and protect your information. Click here for more information about our Privacy Policy.

  • 4. How often will I receive a statement?

    All Square account statements are delivered electronically on a monthly basis though Internet Banking at SavingsSquare.com. You will be notified via email when your statements are available. Just login to SavingsSquare.com and click on Statements. All of your Square account statements will be available there for up to eighteen months.

  • 5. How do I access my Square?

    Once your Square is open, you will need to go to Your Square and enroll for Internet Banking. You will access your Square through the use of your Internet-enabled device, your internet service provider, your Access ID and your Passcode. You may access your Square 24 hours a day, 7 days a week; however, availability of the services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.

  • 6. How do I bulk up my Square?

    Once your Square is open, you can establish verified external account relationships for additional electronic deposits (must be from a US chartered bank). A relationship can only be established with accounts having the same owner and must be able to accept electronic funds transfers.

    Any time you want to bulk up your Square, simply schedule an external transfer. External transfers may take 2-3 business days to process. Temporary holds may be placed on your initial and subsequent deposits. See the Funds Availability Policy in the Account Disclosures for details.

  • 7. How do I trim a little off my Square?

    Square account withdrawals may be made electronically to any verified external account. Square account withdrawals may take 2-3 business days to process.

    Checking Square account — The number of withdrawals from a Checking Square account are not limited. Overdraft fees may apply to overdrafts created by check or other electronic means. Overdraft fees apply to overdrafts created by ATM transactions and everyday check card (debit card) transactions only if you opt in and want Kirkpatrick Bank to authorize and pay such transactions.

    Savings Square account — Only six preauthorized, automatic, computer or telephone transfers can be made from a Savings Square account to another account in any month (a month may be either a calendar month or a statement cycle month). If you exceed these limits on more than an occasional basis, we may be required to close your Savings Square account. You are not allowed to overdraw this account.

  • 8. How do I start my Square?

    Starting a Square at SavingsSquare.com is as easy as clicking Apply Now and following the application instructions. To get a Square at SavingsSquare.com you must be at least 18 years of age and a US citizen, and have a valid social security number and a bank account in a US chartered bank.

  • 9. How do I know when my account is open?

    Once you have submitted your online application, you will see a confirmation page with instructions on the status of your Square. If your application is approved, your account will be funded and you will receive instructions about accessing your Square for the first time. If we need to take some additional steps to complete the application process, we will contact you in 2-3 business days.

  • 10. What is Kirkpatrick Bank's routing or ABA number?

    Kirkpatrick Bank's routing number or ABA number is 103001469. If you need help with direct deposit or other electronic transactions, please visit Contact Us and let us know how we can help.